Ralph Swoboda is the Chair and Managing Director of CUFA Ltd. An attorney by training, he has 45 years experience in the USA and international credit union sector, having served as President/CEO of Credit Union National Association (the primary U.S. credit union trade body), as Chairman of the Management Committee of the Association of British Credit Unions, Ltd. (ABCUL), and later as head of International Operations for CUNA Mutual Group.

Since leaving CUNA Mutual in 2005, Ralph has provided consulting and executive-level project management services to credit unions and credit union organizations in the U.S., Ireland, Australia and China and to the World Council of Credit Unions. Over the years, Ralph has served as a director of numerous credit union and co-operative organizations in America and internationally, and he is currently Chair of the Centre for Community Finance Europe.


Pintu Jacob is the Director of Information Technology of CUFA Ltd., where he leads CUFA’s team of eight full-time software engineers and provides operational support, consulting and training to the users of CUFA Lending Analytics.  Pintu was responsible for coding the original cloud-based version of the software, and, since 2013 he has directed a continuous, on-going process of enhancing CLA and substantially expanding its analytical capabilities.

Pintu graduated in Philosophy from Dharmaram College, Bangalore, India and received Bachelor’s Degrees in Computer Science, Mathematics and Statistics from Christ College, Bangalore. He received his Masters in Computer Application from Bangalore University.


Declan Mooney is the Director of Business Development at CUFA Ltd. With a classical business school background (B.Comm, MBS International Marketing), Declan’s career has spanned a range of industries in line-management and consulting capacities. With his specific experience in intellectual property, business development, mergers & acquisitions and post-acquisition change management, he heads up the commercial and business development side of CUFA.

Declan has successfully negotiated business in 45 countries to date and has a clear focus on the development of international partnerships as well as key international accounts. In his consulting roles, Declan has worked with major companies including Swisscom, Sony, BMW, eircom, O2 Telefonica, Vivas and VW Financial Services.